PRESIDENT'S MESSAGE

Fairfield Federal Locations
Judy Root, President of Fairfield Federal

Welcome! We're a federally-chartered and insured savings and loan association that's been doing business here in Lancaster and Fairfield County, Ohio since 1895. We've stuck close to our original purposes: helping people build security for the future with insured savings and helping families achieve home ownership with sound home loan plans.

WE'RE OUTSTANDING...REALLY!
As a matter of fact, we recently received an "Outstanding" on our Community Reinvestment Act (CRA) rating! Our Federal Regulators examine us to see how well we serve the community both in our community service and the way we meet the needs of borrowers in all segments of our community, including low-and -moderate-income neighborhoods. "Outstanding" is the highest rating given for CRA compliance. We are proud and happy that we have once again received this "Outstanding " rating for continuing to do the right thing for our customers and the community.

GREAT CUSTOMER SERVICE
Although our ideas about customer service are very traditional, as the decades have rolled by we've always offered our services in the most up to date ways. This web site is one of the ways we serve you 24/7. You'll find that our internet banking service in this web site is second to none.

In addition, you'll also find that our Direct Teller 24 hour automated telephone service is very convenient. Our Fairfield County network of ATMs are always available 24/7. We provide "800" toll free telephone numbers so you can call us easily from anywhere.

TALK TO US!
So drop us a note...we'll get back to you quickly. BRUCE BAUGHMAN is our Web Manager. He'd love to hear if you have ideas to make this web site better for you. TAMMIE KEHL can get you set up to enjoy the benefits of internet banking. CHRISTINE SIMMONS can help you apply the very best in banking services to help your business prosper, too.

We offer the latest in technological services, but most of all we enjoy talking with customers in our offices. So, drop in when your busy life gives you a minute. We'll be glad to see you!

And…thank you from your neighbors at Fairfield Federal!

JUDITH M. ROOT
President and Director

MARY SNIDER          
Executive Vice President and Director

Members of the Board of Directors:
WILLIAM R. BOONE
DENISE BAUER
DAVID BAILEY
LOU ANN WEISENSTEIN